Retail is a timing business: you buy the season 90 days before you sell it, and the register decides in December whether the year worked. A revenue purchase funds the buy without mortgaging the store. This is boutique funding: a person reads your file, not a scoreboard.
Spring orders ship in January; holiday inventory is committed by August. Vendors want deposits at order and balances at ship — months before the register rings.
Rent, payroll, and utilities bill the same in February as in November. The year's profit concentrates in eight weeks while the expenses spread over fifty-two.
Case packs and MOQs mean you stock depth you do not need to get the breadth you do. Dead stock is cash wearing a costume.
A bank sees a one-year-old store with seasonal revenue and a lease, and files it under decline. Inventory-based lending exists, but only for operators with audited financials and years of history — the exact opposite of a growing independent store.
The irony is sharp: the same store the bank declines is often doing $40k months on the card statements with a loyal repeat base. Revenue-based underwriting sees that. Tax-return-based underwriting never will.
Retail deposits are daily and card-heavy — ideal for revenue underwriting. We advance $15k–$50k+ against your sales rhythm and remit weekly, so the purchase settles hardest in the fat months and lightest in the lean ones, matching how the store actually earns.
The classic play: fund the holiday buy in August or September, sell through in Q4, settle the purchase out of the season's cash, and renew at better pricing for spring. Growing stores repeat that cycle and compound it. Sharp terms, straight answers — that is the whole Cutting Cap model.
Cover the deposit and balance on holiday inventory — the margin on a well-bought Q4 dwarfs the cost of the purchase.
New fixtures, lighting, and a modern POS with real inventory data. The refresh pays in conversion; the data pays forever.
Deposits, buildout, and opening inventory for store two while store one's cash flow keeps both alive.
There is no such thing for us. We underwrite the full rhythm — your slow months shrink the weekly remittance automatically. Beach shops and ski towns are normal files here.
No inventory lien and no collateral filings on your stock. The purchase is sized to your revenue and remitted from your business account weekly.
Both channels count — we read total deposits across processors and platforms. Many of our retail files are hybrid brick-and-click operators.
A $15,000, $25,000, or $50,000 revenue purchase — and those are floors, not ceilings. We fund more when the financials support it. Apply in four minutes; decision in 24–72 hours.
